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Does homeowners insurance cover damage to your home and property from a bacteriostatic treatment used in a humidifier?
Wiki User
∙ 12y ago
Probably not - for two reasons. Most homeowners policies exclude any type of micro-biological damage because they are natural and cannot be controlled. The second reason is that if the homeowner knowingly introduces these organisms into their home, then it would be considered intentional and the damage would not be covered to any greater extent than a wall damaged by the owner's fist.
That being said, however, if the release was due to failure of the unit, then you might very well be covered.
Wiki User
∙ 12y ago
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